Q3 report, page-63

Can someone answer a question I have

If a bank has allowed SPT to use some of their customers credit limits to 'spread out' the payments i.e. a payment solution, that doesn't attract fees i.e. interest/late fees to the customer...

What's in it for the banks to allow SPT to do this? Because SPT would effectively take away a chunk of the banks 'opportunity' for each customers CC limit to attract income via interest/late fees from that apportioned amount that SPT now are using as part of the customers limit?